<PAGE>

                                                                    EXHIBIT 99.1

                                                                     Page 1 of 4


                ORIGEN MANUFACTURED HOUSING CONTRACT TRUST 2004-B
                         STATEMENT TO CERTIFICATEHOLDERS
                                DECEMBER 15, 2005

                             DISTRIBUTION IN DOLLARS

<TABLE>
<CAPTION>
                             BEGINNING                                                                          ENDING
            ORIGINAL         PRINCIPAL                                                REALIZED   DEFERRED      PRINCIPAL
CLASS      FACE VALUE         BALANCE        PRINCIPAL     INTEREST       TOTAL        LOSSES    INTEREST       BALANCE
-----    --------------   --------------   ------------   ----------   ------------   --------   --------   --------------
<S>      <C>              <C>              <C>            <C>          <C>            <C>        <C>        <C>
A1        49,000,000.00    20,230,414.99   1,930,400.02    48,384.41   1,978,784.43     0.00       0.00      18,300,014.97
A2        42,300,000.00    42,300,000.00           0.00   133,597.50     133,597.50     0.00       0.00      42,300,000.00
A3        16,100,000.00    16,100,000.00           0.00    63,729.17      63,729.17     0.00       0.00      16,100,000.00
A4        21,600,000.00    21,600,000.00           0.00    98,280.00      98,280.00     0.00       0.00      21,600,000.00
M1        19,000,000.00    19,000,000.00           0.00    90,725.00      90,725.00     0.00       0.00      19,000,000.00
M2        11,000,000.00    11,000,000.00           0.00    59,675.00      59,675.00     0.00       0.00      11,000,000.00
B1        10,000,000.00    10,000,000.00           0.00    62,500.00      62,500.00     0.00       0.00      10,000,000.00
B2         4,000,000.00     4,000,000.00           0.00    25,000.00      25,000.00     0.00       0.00       4,000,000.00
CERT               0.00             0.00           0.00   388,157.08     388,157.08     0.00       0.00               0.00
         --------------   --------------   ------------   ----------   ------------     ----       ----     --------------
TOTALS   173,000,000.00   144,230,414.99   1,930,400.02   970,048.16   2,900,448.18     0.00       0.00     142,300,014.97
         ==============   ==============   ============   ==========   ============     ====       ====     ==============
</TABLE>

                  FACTOR INFORMATION PER $1000 OF ORIGINAL FACE

<TABLE>
<CAPTION>
                        BEGINNING                                                  ENDING
CLASS      CUSIP        PRINCIPAL      PRINCIPAL     INTEREST       TOTAL        PRINCIPAL
-----    ---------   --------------   -----------   ----------   -----------   --------------
<S>      <C>         <C>              <C>           <C>          <C>           <C>
A1       68619AAZ0     412.86561204   39.39591878   0.98743694   40.38335571     373.46969327
A2       68619ABA4   1,000.00000000    0.00000000   3.15833333    3.15833333   1,000.00000000
A3       68619ABB2   1,000.00000000    0.00000000   3.95833354    3.95833354   1,000.00000000
A4       68619ABC0   1,000.00000000    0.00000000   4.55000000    4.55000000   1,000.00000000
M1       68619ABD8   1,000.00000000    0.00000000   4.77500000    4.77500000   1,000.00000000
M2       68619ABE6   1,000.00000000    0.00000000   5.42500000    5.42500000   1,000.00000000
B1       68619ABF3   1,000.00000000    0.00000000   6.25000000    6.25000000   1,000.00000000
B2                   1,000.00000000    0.00000000   6.25000000    6.25000000   1,000.00000000
                     --------------   -----------   ----------   -----------   --------------
TOTALS                 833.70182075   11.15838162   5.60721480   16.76559642     822.54343913
                     ==============   ===========   ==========   ===========   ==============
</TABLE>

PASS-THROUGH RATES

<TABLE>
<CAPTION>
        CURRENT PASS-
CLASS     THRU RATE
-----   -------------
<S>     <C>
A1        2.870000%
A2        3.790000%
A3        4.750000%
A4        5.460000%
M1        5.730000%
M2        6.510000%
B1        7.500000%
B2        7.500000%
</TABLE>

       IF THERE ARE ANY QUESTIONS OR PROBLEMS WITH THIS STATEMENT, PLEASE
                     CONTACT THE ADMINISTRATOR LISTED BELOW:

                                   Janice Rose
             JPMorgan Chase Bank, N.A. - Structured Finance Services
                                600 Travis, 9 FL
                              Houston, Texas 77002
                    Tel: (713) 216-3068 / Fax: (713) 216-4880
                          Email: Janice.Rose@chase.com

(JPMORGAN LOGO)      COPYRIGHT 2005 J.P. MORGAN CHASE & CO. ALL RIGHTS RESERVED.

<PAGE>

                                                                     Page 2 of 4


                ORIGEN MANUFACTURED HOUSING CONTRACT TRUST 2004-B

                                DECEMBER 15, 2005

<TABLE>
<S>                    <C>                                       <C>
Section 7.05(a)(i)     Principal Payment Allocable to Holders       1,930,400.02

Section 7.05(a)(ii)    Interest Payment Allocable to Holders          581,891.08

Section 7.05(a)(iii)   Servicing Fee                                  179,416.15
                       Indenture Trustee Fee                            2,685.33
                       Indenture Trustee Expenses                         902.05
                       Owner Trustee Fee                                  333.34
                       Monthly Backup Servicing Fee                     5,000.00

Section 7.05(a)(iv)    Beginning Balance of Contracts             172,239,501.84
                       Ending Balance of Contracts                170,309,101.82

Section 7.05(a)(v)     Number of Contracts                                 3,944
                       Weighted Average Remaining Term                       234
                       Weighted Average Contract Rate:                     9.611%

Section 7.05(a)(vi)    Number and Aggregate Principal Amounts
                       of Contracts in Delinquency inlcuding
                       Repossessions
</TABLE>

                               Delinquency Totals
                                  Group Totals

<TABLE>
<CAPTION>
Period       Number   Principal Balance   Percentage
------       ------   -----------------   ----------
<S>          <C>      <C>                 <C>
30-59 days      36       1,357,351.45        0.80%
60-89 days      21         785,841.99        0.46%
90+days         51       2,102,962.71        1.23%
               ---       ------------        ----
Total          108       4,246,156.15        2.49%
               ===       ============        ====
</TABLE>

     Number and Aggregate Principal Amounts of Contracts Repossessed During
                                Reporting Period

                               Repossession Totals

<TABLE>
<CAPTION>
Number of    Principal
  Loans       Balance    Percentage
---------   ----------   ----------
<S>         <C>          <C>
11          499,266.22      0.29%
</TABLE>

        Number and Aggregate Principal Amounts of Contracts in Inventory

                               Repossession Totals

<TABLE>
<CAPTION>
Number of     Principal
  Loans        Balance     Percentage
---------   ------------   ----------
<S>         <C>            <C>
    28      1,221,627.43      0.72%
</TABLE>

(JPMORGAN LOGO)       COPYRIGHT 2005 J.P.MORGAN CHASE & CO. ALL RIGHTS RESERVED.

<PAGE>

                                                                     Page 3 of 4


                ORIGEN MANUFACTURED HOUSING CONTRACT TRUST 2004-B
                                DECEMBER 15, 2005

        Number and Aggregate Principal Amounts of Contracts in Bankruptcy

                                Bankruptcy Totals

<TABLE>
<CAPTION>
Number of     Principal
  Loans        Balance     Percentage
---------   ------------   ----------
<S>         <C>            <C>
113         5,143,324.00      3.02%
</TABLE>

<TABLE>
<S>                                <C>                                                 <C>
Section 7.05(a)(viii)              Principal Prepayments                                1,176,066.69

                                   Liquidation Proceeds                                   292,579.32

Section 7.05(a)(viii)              Realized Losses
                                      Current Period                                      171,208.79
                                      Cumulative                                        1,419,216.27

Section 7.05(a)(ix)                Adjusted Note Balances
                                      Class M1                                         19,000,000.00
                                      Class M2                                         11,000,000.00
                                      Class B1                                         10,000,000.00
                                      Class B2                                          4,000,000.00

Section 7.05(a)(x)                 Interest Payment Amount
                                      Interest Distribution - A-1                          48,384.41

                                      Interest Distribution - A-2                         133,597.50

                                      Interest Distribution - A-3                          63,729.17

                                      Interest Distribution - A-4                          98,280.00
                                      Available Funds Cap Carry-Forward Amount - A-4            0.00
                                      Interest Reduction Amount - A-4                           0.00

                                      Interest Distribution - M-1                          90,725.00
                                      Available Funds Cap Carry-Forward Amount - M-1            0.00
                                      Liquidation Loss Interest Amount - M-1                    0.00
                                      Interest Reduction Amount - M-1                           0.00

                                      Interest Distribution - M-2                          59,675.00
                                      Available Funds Cap Carry-Forward Amount - M-2            0.00
                                      Liquidation Loss Interest Amount - M-2                    0.00
                                      Interest Reduction Amount - M-2                           0.00

                                      Interest Distribution - B-1                          62,500.00
                                      Available Funds Cap Carry-Forward Amount - B-1            0.00
                                      Liquidation Loss Interest Amount - B-1                    0.00
</TABLE>

(JPMORGAN LOGO)       COPYRIGHT 2005 J.P.MORGAN CHASE & CO. ALL RIGHTS RESERVED.

<PAGE>

                                                                     Page 4 of 4


                ORIGEN MANUFACTURED HOUSING CONTRACT TRUST 2004-B

                                DECEMBER 15, 2005

<TABLE>
<S>                                <C>                                                 <C>
                                      Interest Reduction Amount - B-1                           0.00

                                      Interest Distribution - B-2                          25,000.00
                                      Available Funds Cap Carry-Forward Amount - B-2            0.00
                                      Liquidation Loss Interest Amount - B-2                    0.00
                                      Interest Reduction Amount - B-2                           0.00

Section 7.05(a)(xi)                Overcollateralization Target Amount                 28,009,086.85
Section 7.05(a)(xii)               Overcollateralization Amount                        28,009,086.85

Section 7.05(a)(xiv)               Trust Certificate Distribution                         388,157.08

Expense Paid to LLC and DRS                                                                    39.00
Servicing Fee Adjustment                                                                   -6,346.24
Miscellaneous Servicing Expenses                                                                0.00
</TABLE>

(JPMORGAN LOGO)       COPYRIGHT 2005 J.P.MORGAN CHASE & CO. ALL RIGHTS RESERVED.